在购买转售组屋时，如果未来计划购买BTO或EC，请慎重考虑是否申请购房津贴。
领取津贴的影响
• 未来购买BTO或新EC时，会被归类为二次购房者2nd timer
• 需要支付resale levy，增加购房成本
• 申请BTO或新EC的成功率大幅降低
BTO与EC的分配机制
• BTO的二次购房者名额远少于1st timer
• EC开盘时也优先分配给1st timer，例如Novo Place EC首轮仅30%单位留给2nd timer
• 如果2nd timer名额提前用完，申请者需等待下一轮机会
如何做出明智决策
• 如果未来计划购买BTO或新EC，应谨慎申请购房津贴
• 短期经济压力 vs. 长期购房规划，需权衡利弊
• 了解HDB最新政策，确保购房决策符合个人需求
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When purchasing a resale HDB flat, carefully consider whether to apply for a housing grant, especially if you plan to buy a BTO or new EC in the future.
Implications of Taking a Grant
• Future BTO or EC purchases will classify you as a second-timer (2nd timer)
• Requires paying a resale levy, increasing costs
• Reduces the chances of securing a BTO or new EC
Allocation System for BTO & EC
• Fewer units are allocated to 2nd timers compared to 1st timers
• EC launches prioritize 1st timers, e.g., Novo Place EC reserves only 30% of units for 2nd timers in the first round
• If the 2nd timer quota is used up early, applicants must wait for the next round
Making an Informed Decision
• If you plan to buy a BTO or EC later, think twice before taking the grant
• Weigh short-term financial relief vs. long-term housing opportunities
• Stay updated on HDB policies to make the best choice for your needs